Category Ranking Guide
Best RuPay Credit Cards for UPI Payments in India (2026)
Earn reward points and cashback on every UPI scan & pay transaction using RuPay credit cards on Google Pay, PhonePe & Paytm.
HSBC Live+ Credit Card
10% cashback on Dining, Food Delivery (Swiggy/Zomato) & Groceries (Blinkit/Zepto/Instamart); 1.5% elsewhere
AU ixigo Credit Card
20 Reward Points per ₹200 on train/flight bookings via ixigo; 10 RP on online spends; 5 RP offline
SBI Cashback Card
5% cashback on online spends (no merchant restriction); 1% offline
Standard Chartered Ultimate Credit Card
5 Reward Points per ₹150 spent (Flat 3.33% reward rate on almost all categories)
Axis Bank ACE Credit Card
5% cashback on utility bills & recharges via Google Pay; 4% on Swiggy, Zomato & Ola; 1.5% flat on all other spends (5%/4% categories capped at ₹500 per statement cycle)
SalaryPe Credit Card
2% - 5% instant cashback on salary advance & merchant spends
Tata Neu Infinity HDFC Bank Credit Card
5% NeuCoins on Tata Neu app and partner Tata brands; 1.5% on other retail/UPI spends
Tata Neu Plus HDFC Bank Credit Card
2% NeuCoins on Tata Neu app spends; 1% on non-Tata spends; 1.5% on RuPay UPI spends
Swiggy HDFC Bank Credit Card
10% cashback on Swiggy app (food, Instamart, Dineout, Genie); 5% on online spends at partner brands; 1% on other spends
Amazon Pay ICICI Bank Credit Card
5% cashback on Amazon.in for Prime members (3% non-Prime); 2% on Amazon Pay partner merchants; 1% on all other spends
HDFC Millennia Credit Card
5% cashback (CashPoints) on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Cult.fit, BookMyShow, Sony LIV, Tata CLiQ; 1% on other spends